{"id":66213,"date":"2022-12-29T09:30:00","date_gmt":"2022-12-29T14:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=66213"},"modified":"2026-05-01T03:17:39","modified_gmt":"2026-05-01T07:17:39","slug":"assurance-retard-vol-cartes-credit","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/assurance-retard-vol-cartes-credit\/","title":{"rendered":"Assurances&nbsp;: Comment fonctionne l&rsquo;assurance retard de vol des cartes de cr&eacute;dit&nbsp;?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;L&#8217;assurance retard de vol&#8221; el_id=&#8221;lassurance_retard_de_vol&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>L&#8217;assurance <b>retard de vol<\/b> peut \u00eatre propos\u00e9e par des cartes de cr\u00e9dit.<\/p>\n<p>Gr\u00e2ce \u00e0 cette couverture,<strong> vous pourriez \u00eatre rembours\u00e9 de certains frais que vous auriez \u00e0 engager <\/strong>dans le cas o\u00f9 votre <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/retards-de-vol\/\">vol serait retard\u00e9<\/a>.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;21740&#8243; img_size=&#8221;large&#8221; add_caption=&#8221;yes&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Les personnes couvertes&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;les_personnes_couvertes&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>L&#8217;assurance retard de vol propos\u00e9e par les cartes de cr\u00e9dit prot\u00e8ge:<\/p>\n<ul>\n<li><strong>le titulaire<\/strong> de la carte de cr\u00e9dit<\/li>\n<li>la famille proche voyageant <strong>avec le titulaire <\/strong><em>(variera en fonction de chaque carte de cr\u00e9dit)<\/em><\/li>\n<\/ul>\n<p>En r\u00e8gle g\u00e9n\u00e9rale, l&#8217;assurance pourra s&#8217;appliquer pour le titulaire principal, son conjoint et son (ou ses) enfant(s) \u00e0 charge.<\/p>\n<p>Pour \u00eatre couvert par l&#8217;<strong>assurance retard de vol<\/strong> de votre carte de cr\u00e9dit, il est obligatoire d&#8217;avoir <strong>pay\u00e9 au complet<\/strong> le billet d&#8217;avion avec votre carte de cr\u00e9dit (<em>sauf pour certaines cartes comme la <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">Carte World Elite Mastercard de la Banque Nationale<\/a> qui demande un paiement partiel ou la <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-american-express-or-de-banque-scotia\/\">Carte American Express Or de la Banque Scotia<\/a>\u00a0qui exige que 75% du co\u00fbt du billet d&#8217;avion soit port\u00e9 sur la carte).<\/em><\/p>\n<p>[\/vc_column_text][vc_message color=&#8221;warning&#8221; message_box_color=&#8221;warning&#8221; icon_fontawesome=&#8221;fas fa-exclamation-triangle&#8221;]Si vous payez le billet d&#8217;avion pour une personne de votre entourage (un conjoint ou un enfant), mais que vous ne voyagez pas avec, <strong>celle-ci ne sera pas couverte par l&#8217;assurance retard de vol<\/strong>.[\/vc_message][vc_single_image image=&#8221;63201&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Couvert par l&#8217;assurance retard de vol&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;couvert_par_lassurance_retard_de_vol&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>L&#8217;assurance retard de vol propos\u00e9e par les cartes de cr\u00e9dit <strong>COUVRIRA <\/strong>g\u00e9n\u00e9ralement les situations suivantes:<\/p>\n<ul>\n<li>Une <a href=\"https:\/\/milesopedia.com\/actualites\/voyage\/greve-agents-de-bord-droits-indemnisation-assurance-voyage\/\" target=\"_blank\" rel=\"noopener\">gr\u00e8ve du personnel<\/a> de la compagnie a\u00e9rienne<\/li>\n<li>Une quarantaine<\/li>\n<li>Une agitation civile<\/li>\n<li>Un d\u00e9tournement d&#8217;avion<\/li>\n<li>Une catastrophe naturelle<\/li>\n<li>Des intemp\u00e9ries<\/li>\n<li>Une panne m\u00e9canique<\/li>\n<li>Un refus d&#8217;embarquement en raison d&#8217;une surr\u00e9servation<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message]Pour faire entrer en application une assurance retard de vol, il est donc n\u00e9cessaire que la cause de ceci soit <strong>importante et justifiable<\/strong>.[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"328551\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;21758&#8243; img_size=&#8221;large&#8221; add_caption=&#8221;yes&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_custom_heading text=&#8221;Non couvert par l&#8217;assurance retard de vol&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;non_couvert_par_lassurance_retard_de_vol&#8221;][vc_column_text el_class=&#8221;red-cross&#8221;]<\/p>\n<p>L&#8217;assurance retard de vol propos\u00e9e par les cartes de cr\u00e9dit <strong>NE COUVRIRA PAS<\/strong>:<\/p>\n<ul>\n<li>Un acte criminel ou frauduleux perp\u00e9tr\u00e9 par la personne assur\u00e9e<\/li>\n<li>Une guerre, d\u00e9clar\u00e9e ou non, une guerre civile, une insurrection, une r\u00e9bellion ou une r\u00e9volution<\/li>\n<li>Tout acte de guerre par un gouvernement ou les forces militaires<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message]Il s&#8217;agit donc l\u00e0 de causes majeures plut\u00f4t rares.[\/vc_message][vc_single_image image=&#8221;21744&#8243; img_size=&#8221;large&#8221; add_caption=&#8221;yes&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Les remboursements&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;les_remboursements&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<strong>La couverture offerte<\/strong> par votre carte de cr\u00e9dit variera en fonction de chaque carte.<\/p>\n<p>G\u00e9n\u00e9ralement, l&#8217;assurance retard de vol des cartes de cr\u00e9dit remboursera au titulaire de carte les d\u00e9penses raisonnables et n\u00e9cessaires qui ont \u00e9t\u00e9 engag\u00e9es, dans les 48 heures suivant le retard ou le refus d&#8217;embarquement, \u00e0 l&#8217;\u00e9gard de:<\/p>\n<ul>\n<li>l&#8217;h\u00e9bergement dans un h\u00f4tel<\/li>\n<li>de repas pris au restaurant<\/li>\n<li>de boissons<\/li>\n<li>d&#8217;articles essentiels<\/li>\n<li>de divers articles (magazines, livres de poche et divers petits articles)<\/li>\n<\/ul>\n<p><strong>L&#8217;indemnisation<\/strong> variera en fonction des cartes de cr\u00e9dit:<\/p>\n<ul>\n<li>entre 500$ et 2,500$ par personne assur\u00e9e<\/li>\n<li>avec un plafond maximal pour toute la famille<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message]Les cartes de cr\u00e9dit se diff\u00e9rencieront au niveau <strong>des couvertures offertes<\/strong> (les types d&#8217;achats admis) et <strong>du montant couvert<\/strong> (par personne, par voyage).<\/p>\n<p>En r\u00e8gle g\u00e9n\u00e9rale, plus la cotisation annuelle de votre carte de cr\u00e9dit sera \u00e9lev\u00e9e, meilleure la couverture sera&nbsp;! Mais <a class=\"thirstylink\" title=\"la Carte Mastercard BMO Ascend World Elite\" href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-bmo-ascend-world-elite\/\">certaines cartes offrant la premi\u00e8re ann\u00e9e de cotisation<\/a> ont d\u00e9j\u00e0 d&#8217;excellentes couvertures.[\/vc_message][vc_single_image image=&#8221;21709&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Faire une r\u00e9clamation&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;faire_une_r_clamation&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Votre vol est retard\u00e9&nbsp;? Notre premier conseil est de consulter la brochure de votre carte de cr\u00e9dit pour savoir \u00e0 quoi vous avez le droit. Si vous en avez la possibilit\u00e9, appelez l&#8217;\u00e9metteur au num\u00e9ro inscrit au dos de votre carte.<\/p>\n<p>\u00c0 votre retour \u00e0 la maison, ouvrez une proc\u00e9dure de r\u00e9clamation. Assurez-vous d&#8217;avoir toutes les pi\u00e8ces justificatives \u00e0 port\u00e9e de main:<\/p>\n<ul>\n<li><b>Billets d&#8217;avions<\/b><\/li>\n<li>R\u00e9servations d&#8217;h\u00f4tels<\/li>\n<li>Factures de taxi \/ Uber<\/li>\n<li>Notes de restaurants<\/li>\n<li>Factures d&#8217;achats (privil\u00e9giez les achats dans les a\u00e9roports)<\/li>\n<li>Relev\u00e9 de carte de cr\u00e9dit<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message]<b>Gardez TOUS vos justificatifs. <\/b>Et surtout, assurez-vous de conserver votre carte de cr\u00e9dit ouverte jusqu&#8217;\u00e0 la fin de votre voyage&nbsp;! Si vous annulez votre carte de cr\u00e9dit, <strong>vous ne pourrez pas b\u00e9n\u00e9ficier des assurances<\/strong>, m\u00eame si vous aviez pay\u00e9 l&#8217;int\u00e9gralit\u00e9 du voyage avec celle-ci&nbsp;![\/vc_message][vc_single_image image=&#8221;21677&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Les cartes de cr\u00e9dit recommand\u00e9es par milesopedia&#8221; el_id=&#8221;les_cartes_de_cr_dit_recommand_es_par_milesopedia&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Toutes les cartes de cr\u00e9dit ne se valent pas au niveau de l&#8217;assurance <strong>retard de vol<\/strong>.<\/p>\n<p>En r\u00e8gle g\u00e9n\u00e9rale, les cartes de cr\u00e9dit proposant l&#8217;assurance retard de vol se distingueront sur <strong>3 aspects<\/strong>:<\/p>\n<ul>\n<li><strong>Les couvertures offertes <\/strong>(les types d&#8217;achats permis)<\/li>\n<li><strong>Le montant couvert<\/strong> (par personne, par voyage)<\/li>\n<li><strong>Les conditions de r\u00e9servation<\/strong> (montant total ou partiel port\u00e9 sur la carte)<\/li>\n<\/ul>\n<p>Voici<strong> 3 cartes de cr\u00e9dit<\/strong> que nous vous recommandons <strong>pour l&#8217;assurance retard de vol<\/strong>, en fonction de diff\u00e9rents niveaux de revenus&nbsp;:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Carte American Express Platine de la Banque Scotia&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;carte_american_express_platine_de_la_banque_scotia&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Le principal atout de la <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-american-express-platine-de-banque-scotia\/\">Carte American Express Platine de la Banque Scotia<\/a> est qu&#8217;elle ne facture <strong>aucun frais de conversion pour les op\u00e9rations en devises \u00e9trang\u00e8res<\/strong>. Vous pouvez donc porter vos achats de voyages comme la location de voiture ou les billets d&#8217;avions \u00e0 l&#8217;\u00e9tranger sans payer le frais de conversion de 2,5% charg\u00e9 par la plupart des cartes de cr\u00e9dit&nbsp;!<\/p>\n<p>La <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-american-express-platine-de-banque-scotia\/\">Carte American Express Platine de la Banque Scotia<\/a> ne requiert qu&#8217;un revenu de 12&nbsp;000&nbsp;$. Cette carte fait partie de celle offrant la couverture la plus large en remboursant &#8220;<em>les d\u00e9penses raisonnables et n\u00e9cessaires qui ont \u00e9t\u00e9 engag\u00e9es \u00e0 l\u2019\u00e9gard de l\u2019h\u00e9bergement dans un h\u00f4tel, de repas pris au restaurant, de boissons, d\u2019articles essentiels ainsi que divers articles (tels que des magazines, livres de poche et divers petits articles).<\/em>&#8220;<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 110px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Sp\u00e9cificit\u00e9s<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>D\u00e9tails<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Montant<\/strong><\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\">jusqu&#8217;\u00e0 1 000$ par <strong>personne<\/strong> <strong>assur\u00e9e<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Dur\u00e9e du retard<\/strong><\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\">Plus de 4 heures<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><strong>Conditions de r\u00e9servation<\/strong><\/td>\n<td style=\"width: 50%; text-align: center;\">\u00a0La protection remboursera les frais suivants <strong>si au moins 75&nbsp;% du co\u00fbt total du vol retard\u00e9 <\/strong>ait \u00e9t\u00e9<br \/>\nport\u00e9 \u00e0 votre compte et\/ou acquitt\u00e9 avec des<br \/>\nPoints Sc\u00e8ne+<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22641\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Carte World Elite Mastercard de la Banque Nationale&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;carte_world_elite_mastercard_de_la_banque_nationale&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>La\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">Carte World Elite Mastercard de la Banque Nationale<\/a> est l&#8217;une des seules cartes de cr\u00e9dit \u00e0 <strong>permettre un paiement partiel<\/strong> afin d&#8217;\u00eatre couvert. C&#8217;est pratique pour ceux qui utilisent des points&nbsp;!<\/p>\n<p>Sa particularit\u00e9 est d&#8217;\u00eatre valide, <strong>m\u00eame si une partie seulement du voyage a \u00e9t\u00e9 port\u00e9e au compte<\/strong>. Les frais remboursables sont les &#8220;<em>frais raisonnables suppl\u00e9mentaires engag\u00e9s pour Votre h\u00e9bergement et Vos d\u00e9placements. Ces frais doivent toutefois \u00eatre engag\u00e9s en raison de ce retard<\/em>&#8220;.<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 110px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Sp\u00e9cificit\u00e9s<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>D\u00e9tails<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Montant<\/strong><\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\">jusqu&#8217;\u00e0 500&nbsp;$ par <strong>personne assur\u00e9e<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Dur\u00e9e du retard<\/strong><\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\">Plus de 4 heures<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><strong>Conditions de r\u00e9servation<\/strong><\/td>\n<td style=\"width: 50%; text-align: center;\">\u00a0La protection remboursera les frais suivants <strong>si au moins une partie <\/strong>du co\u00fbt du voyage a \u00e9t\u00e9 port\u00e9e au compte<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Carte Visa Infinite Passeport + Banque Scotia&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;carte_visa_infinite_passeport_banque_scotia&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>La\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Carte Visa Infinite Passeport + Banque Scotia<\/a> ne facture <strong>aucuns frais de conversion pour les op\u00e9rations en devises \u00e9trang\u00e8res<\/strong>. \u00a0Vous pouvez donc porter vos achats de voyages comme la location de voiture, les billets d&#8217;avions \u00e0 l&#8217;\u00e9tranger sans acquitter le frais de conversion de 2,5% charg\u00e9 par la plupart des cartes de cr\u00e9dit&nbsp;!<\/p>\n<p>De plus, vous b\u00e9n\u00e9ficiez de <strong>6 acc\u00e8s annuels gratuits<\/strong> aux <a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/salons\/\">salons d&#8217;a\u00e9roport<\/a>. De quoi patienter confortablement votre avion en cas de retard de vol.<\/p>\n<p>La <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-passeport-banque-scotia\/\">Carte Visa Infinite Passeport + Banque Scotia<\/a> n\u00e9cessite un revenu de 60&nbsp;000&nbsp;$. Cette carte fait partie de celle offrant la couverture la plus large en remboursant &#8220;<em>les d\u00e9penses raisonnables et n\u00e9cessaires qui ont \u00e9t\u00e9 engag\u00e9es \u00e0 l\u2019\u00e9gard de l\u2019h\u00e9bergement dans un h\u00f4tel, de repas pris au restaurant, de boissons, d\u2019articles essentiels ainsi que divers articles (tels que des magazines, livres de poche et divers petits articles).<\/em>&#8220;<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 110px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Sp\u00e9cificit\u00e9s<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>D\u00e9tails<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Montant<\/strong><\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\">jusqu&#8217;\u00e0 500$ par <strong>personne<\/strong> <strong>assur\u00e9e<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Dur\u00e9e du retard<\/strong><\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\">Plus de 4 heures<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><strong>Conditions de r\u00e9servation<\/strong><\/td>\n<td style=\"width: 50%; text-align: center;\">\u00a0La protection remboursera les frais suivants <strong>si au moins 75&nbsp;% du co\u00fbt total du vol retard\u00e9 <\/strong>ait \u00e9t\u00e9<br \/>\nport\u00e9 \u00e0 votre compte et\/ou acquitt\u00e9 avec des<br \/>\npoints Sc\u00e8ne+<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Conclusion&#8221; el_id=&#8221;conclusion&#8221;][vc_column_text]<\/p>\n<p>En choisissant la bonne carte de cr\u00e9dit, vous pourriez am\u00e9liorer votre confort lors d&#8217;un retard de vol: chambre d&#8217;h\u00f4tel, restaurant, articles divers&#8230; <b>Ne laissez pas un retard de vol g\u00e2cher votre voyage!<\/b><\/p>\n<p>Quoi qu&#8217;il en soit, rappelez-vous de bien <strong>consulter le livret d&#8217;assurances<\/strong> fourni avec votre carte de cr\u00e9dit AVANT de r\u00e9server votre voyage.<\/p>\n<p>[\/vc_column_text]\n<div class=\"series-of-posts open-sop\">\n\t<input class=\"series-checkbox\" id=\"series-856\" type=\"checkbox\" name=\"expand-text\"  checked='checked'\/>\n\t<label class=\"series-title\" for=\"series-856\">\n\t\t\tLes assurances des cartes de cr\u00e9dit\t<\/label>\n\t<div class=\"series-of-posts-links\">\n\t\t\n\t\t<ol>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: The Best Credit Cards for Travel Insurance When Using Rewards Points\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-65-and-over\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: What You Need to Know About Travel Insurance for Ages 65 and Over\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/medical-emergency-credit-card-insurance\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tHow does credit cards emergency medical insurance work?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/how-to-cancel-trip-refund\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tHow to cancel a trip and get a refund?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/save-travel-insurance\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: How to choose and save on travel insurance?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-card-travel-purchase\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tHow do I choose the best credit card to pay for my trip?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: Credit card travel insurance\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tCar Rental Insurance: How Does Credit Card Rental Insurance Work?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cancellation-interruption-travel-credit-cards\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: How does credit card trip cancellation\/interruption insurance work?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: How does credit card extended warranty insurance work?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/assurance-retard-vol-cartes-credit\/\"\n\t\t\t\t\t   class=\"series-link--active\">\n\t\t\t\t\t\tAssurances&nbsp;: Comment fonctionne l&rsquo;assurance retard de vol des cartes de cr&eacute;dit&nbsp;?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/flight-delay-insurance-credit-cards\/\"\n\t\t\t\t\t   class=\"\">\n\t\t\t\t\t\tInsurance: How does credit card flight delay insurance work?\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ol>\n\t<\/div>\n\n<\/div>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"90597\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vous voudriez b\u00e9n\u00e9ficier d&#8217;une\u00a0<strong>assurance retard de vol<\/strong>\u00a0? 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